MANY homeowners with first or purchase mortgages also add on second mortgages such as home equity loans. Unfortunately, job loss and tough economic times can cause homeowners to become delinquent…
Cleaning your teeth properly includes cleaning between you teeth, and the best way to clean between your teeth, and the other places your toothbrush can’t reach, is with flossing. A…
“ When you are overwhelmed with debt problems, the situation becomes even more challenging when you have a family that you are supporting. Your paycheck may not even be enough…
SOMETIMES you wonder why you acquire so much debt without really thinking about it. Client makes $20,000 a month which is high income. When his home increased in value in…
HERE are 10 tips for students with summer jobs: 1. Fill out Form W-4 (Employee’s Withholding Allowance Certificate). This form is used by employers to determine the amount of tax…
WHILE visiting someone else’s home or place of business, a person may become seriously injured. Such injuries may have arisen as a result of wet floors, uneven steps or floors,…
FANNIE Mae and Freddie Mac are the leading indicator and director of mortgage interest rates. You and I are at their mercy to keep rates low in order for more…
THE government announced last week that it was extending the application deadline to apply for relief under MHA (Making Home Affordable Program) but only through December 31, 2015. Thus, for…
WHAT are the 4 questions in ‘Passover Seder”? Passover Seder is a ritual feast held in the homes of Jewish people as part of the Passover celebration. They celebrate this…
WHILE there are no guarantees to avoid an audit, there are creative ways to attract one. Below are 12 easy ways to increase your audit profile. Try any combination to…
Q: I WORK as an hourly employee for a private business. There are days when I work more than 8 hours per day. However, instead of paying me overtime, my…
YOU can’t hear enough about the fact that mortgage rates are at record lows! Its absolutely true, I have been in the mortgage and RE business for over 25 years…
IF YOU are searching for debt reduction solutions, no doubt you’ve been inundated with advertisements for various debt management programs, companies and solutions. The choices seem confusing to the average…
PEOPLE with heavy debt think that they have serious problems in life that are almost unbearable. “Attorney, we can’t sleep because our creditors are hounding us day and night! They…
IF YOU run your own business, consider employing your children this summer vacation. Employing your children gives you a triple benefit: 1. It teaches your children the virtue of work…
BEDFORD Care Group, Inc., a company that operates six assisted living facilities in Fresno County, was recently cited by the labor agency, for violating California’s employment laws including unpaid minimum…
“Homes that are under water have only a few option to refinance their mortgages, the HARP programs is probably your best bet but it’s not for everyone and there are…
FILING Chapter 13 bankruptcy is often a last resort for people in foreclosure when no other options exist. A lot of homeowners usually put off making this decision for a…
DEBTS are a big headache for many people. In my last article, I suggested that if you had problems with debt you should rely on Psalm 23 for comfort. It…
CALLER: Hi Ken, I have been following your columns for many years and they are very informative and delightful. I am turning 60 and want to buy a home again….
Background A LIMITED Liability Company is referred to as “LLC.” A husband and wife can form an LLC for their real estate properties. You can choose the type of entity…
WHEN insurance companies issue a policy, they promise that they will take care of their policyholders when they suffer a serious loss to their home, their car, or their health….
Many people admit that they only visit the dentist when they feel something is wrong. If you don’t wait until it’s too late, your visit can be comfortable and convenient….
CHAPTER 13 is the section of the US Bankruptcy Code that allows individuals in the United States to reorganize their finances. If you are having difficulty paying your debts (credit…
“ As already explained, there is no question that the debtor subjectively intended to cause injury to INB’s interest in the residence. The debtor admitted to being involved in removing…
A LIMITED Liability Company (LLC) is a new form of hybrid business association that combines the advantages of a corporation with the flexibility of a partnership. Let’s explore the advantages…
ACCIDENTS that result in serious injuries affect the injured person and his/her family in significant ways. Rights to medical treatments, including who should pay for past and future medical expenses,…
Whether it’s a sports injury, a slip and fall, or perhaps a confrontation with a boxing wannabe, you or someone in your company may suffer the bad luck of having…
FOR a lot of people, financial concerns can be their number one cause of stress. We are living in difficult financial times and a lot of people are worried about…
SUFFERING is part of the human condition. Adam and Eve introduced pain and suffering to mankind when they ate of the forbidden fruit. Adam blamed Eve for convincing him to…
